The rich are depressed because they realize their money can't buy them out of their issues.

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

I just don't like people taking debt into retirement.

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.

I love teaching people how to handle their money and I've built a brand on that skill.

There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.

I've decided to keep working until my last kid is thu college.